Articles

__God, grant me the serenity to accept the things I cannot change, the courage to change the things I can, and the wisdom to know the difference. __ This prayer sums up the required action points during the market downturn as what is happening currently. So, let’s understand what we can and should do and what we should accept and let that be. This is the culmination […]

Most investors probably already understand the importance of a systematic investment plan (SIP). It is the most convenient way of accumulating wealth by investing small savings regularly. You not only get the benefit of putting your monthly savings in meaningful investments but also get the advantage of cost averaging because of market volatility. But there is one more benefit which triumphs all the other benefits of […]

Most of us studied compound interest in our primary education and believe that we understand it. But as investors, our behavior indicates otherwise. We hold the investments for a short period and given the first sign of any volatility, press the exit button. Many also exit from the funds if they feel that the market is currently high and exiting would be a prudent strategy. Their […]

With the advent of “do it yourself” investments, many investors feel that they can choose the right mutual funds for themselves rather than relying on advisors. They can simply download a mobile app (like Grow, Zerodha and others) and conveniently buy and sell mutual funds. Bypassing the advisor/distributor give them the advantage of lower expense load thus their return is likely to increase by 0.50-0.75% per […]

Full Budget 2024 presented today by finance minister Nirmala Sitharaman shows lot of promises as well as some disappointments. Let us discuss the promises first- Agriculture research will be upgraded to improve productivity and developing climate resilient varieties. 1 Crores farmers across the country will be initiated to adopt natural farming, supported by certification and branding in the next 2 years. Digital Public Infrastructure (DPI) for […]

One of the most erroneous methods of selecting equity funds is by only watching the performance of the last one year or two years. Many investors feel that by taking out a few best performing funds from the internet or from some financial journal, they have found the champion funds. But this one sided research usually results in dismal performance. The lure of attractive numbers is so […]